4108 N 23rd St, Waco, TX 76708 Property Records

McLennan County property record for 4108 N 23rd St, Waco, TX 76708

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,797 sqft · built 1979
Lot Size	0.318 acres (13,860 sqft)
Owner	2 Individual Names on File
Last Sale	$239,400 (Nov 2022)
Tax Bill	$6,082 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Nov 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`48-037201-008800-5`

Property Details

APN / Parcel Number

Primary APN	`48-037201-008800-5`
Alternative APNs	`4803720100880050111` `189263`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,797 sqft Living Area
Gross Area	2,361 sqft
1st Floor Area	1,797 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Reinforced Concrete
Roof Material	Composition Shingle
Lot Area	13,860 sqft (0.318 acres)
Lot Dimensions	154 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	564 sqft
Driveway	Concrete Driveway
Driveway Area	1,265 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	680 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4108 N 23RD ST
City	WACO
State	TX
Zip	76708-1655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	SCOTT PARK LAKE LOT 11 BLOCK 12 ACRES .3182
Legal Subdivision	SCOTT PARK LAKE
Legal Block	12
Legal Lot Number	11
Jurisdiction	MCLENNAN TX
Township / Civil Division	WACO
Census Block Group	3
Census Block	3004
Census Tract	3000

Owner

4108 N 23rd St is owned by two individuals who bought it in November 2022.

Source: McLennan County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4020 N 23RD ST, WACO, TX 76708-1653
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · Line of Credit CENTRAL NATIONAL BANK
Nov 10, 2022	Vendor's Lien, Transfer · Line of Credit FIRST NATIONAL BANK OF MCGREGOR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2022 · Amount on File
Deed Sale	Nov 10, 2022 · Amount on File
Deed Document Number	202243810
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLENNAN TX
Property Address	4108 N 23RD ST, WACO, TX 76708-1655
Transaction Type	Mortgage
Record Updated	Nov 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023756
Date	Jun 17, 2021
Instrument	2021023756

Lender

Name	CENTRAL NATIONAL BANK
Type	Bank
Address	WOODWAY, TX 76712

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	MCLENNAN TX
Recording Date	Nov 10, 2022
Property Address	4108 N 23RD ST, WACO, TX 76708-1655
Document Number	0000043810
Map Reference	VOL 649 PG 499
Instrument Date	Nov 8, 2022
Instrument	2022043810
Transaction Type	Transfer
Record Updated	Nov 21, 2022
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 N 23RD ST, WACO, TX 76708-1653

Mortgage

Document Number	0000043811
Date	Nov 10, 2022
Instrument	2022043811

Lender

Name	FIRST NATIONAL BANK OF MCGREGOR
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 8, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 4108 N 23rd St was $6,082, down 13.2% from the year before.

Source: McLennan County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Texas
County	McLennan County
Municipality	Waco City
Unified School District	Waco Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$252,085 (-6.81%) Land $37,561 Building $214,524	$252,085 (-6.81%) Land $37,561 Building $214,524
2025	$6,082.00 (-13.18%)	$270,520 Land $34,230 Building $236,290	$270,520 Land $34,230 Building $236,290
2024	$7,005.00
2023		$278,370 Land $34,230 Building $244,140	$278,370 Land $34,230 Building $244,140
2022	$6,240.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4108 N 23rd St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1979–1997)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Feb 1997 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4108 N 23rd St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% of Texas
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WACO serves 146,241 people · EPA ID TX1550008
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Astound Broadband Cable	1,500 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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